I didn’t report to work last Wednesday because I needed to see the doctor for my eyes. You see, I’ve had eye allergies for almost a month now and regular allergy meds are not doing the job.
Well, if you know me, you would know that I rarely see doctors. I know it’s inadvisable, but I often resort to self-medication and/or natural remedies. However, as I age, I realise they’re no longer working. I also noticed that I’ve had more trips to the hospital this year than in the last 10 years of my life.
(Not including maternity checkups, of course. Those were not for a sickness.)
I kid you not, the only time I saw a doctor during my college years was before freshman enrollment, for the general check-up. That was it.
Excluding trips to the hospital after my dad had a stroke, of course.
This was not the case when I was little because I was was always sick and in hospitals.
But in my adolescent and young adult years, I barely had fevers. I also had no reason to go to hospitals because I was generally healthy. I thought I was going to be in the pink of health forever – obviously I was wrong.
Just within 3 weeks last summer, I had to be taken to the ER twice. Then I recently had bad eye allergies. Bad as in I could barely open my eyes sometimes and I always felt like scratching my eyeballs off. It was torment.
Plus, like what I mentioned before, my dad is under heavy medication because his doctors discovered his high creatinine levels. So much medical expenses.
The thing is, since I’m fresh out of a freelancing lifestyle and have been only recently re-employed (barely 4 months), I don’t have HMO. Yet.
Medical bills are tolerable, but now that we find ourselves in the hands of doctors more often that we would have wanted, I can’t deny that having an HMO would be surely convenient. Gee.
I’m currently shopping for a health care service that would best suit not only my needs but also my dad’s – since he’s the one who needs it the most now. But there are so many options and it can be overwhelming. It can also be frustrating because the options often lacked at least one important requirement of mine.
Here are my requirements, by the way:
1. Reasonably priced. I don’t need too many features that we, bring busy bees, may not be able to avail of anyway. I also don’t need access to hospitals like St. Luke’s because we are living in Davao City.
In other words, I want no frills.
2. Can cover babies to lolos. 6 months old to 65 would be okay.
3. COVERS PRE-EXISTING CONDITIONS.
It would be really useless if I get an HMO, which does not cost my dad prior conditions e.g. high creatinine and history of stroke.
4. Has accredited hospitals in Davao City.
I’m having trouble looking for possible options. There are a lot, I know, but most don’t fit all of our needs. So I’d like to ask you. What are your HMOs? What are your healthcare packages? What do you recommend?